1023 Locust St, Gainesville, TX 76240 Property Records

Cooke County property record for 1023 Locust St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1922
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$230,927 (Mar 2022)
Tax Bill	$3,936 (2026)
Deeds & Mortgages	Mar 2022 Second Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2360-002-00008`

Property Details

APN / Parcel Number

Primary APN	`2360-002-00008`
Alternative APN	`19462`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,404 sqft Living Area
Gross Area	1,942 sqft
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Porch	Slab
Porch Area	318 sqft
Storage Building	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2360-002-00008
Street Address	1023 LOCUST ST
City	GAINESVILLE
State	TX
Zip	76240-5832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HALL ADDN; BLOCK 2; LOT 8 & 9; ACRES .3214
Legal Subdivision	HALL ADDN
Legal Block	2
Legal Lot Number	8,9
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3009
Census Tract	1100

Owner

Source: Cooke County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1023 LOCUST ST, GAINESVILLE, TX 76240-5832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 23, 2022	Vendor's Lien, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2022 · Amount on Record
Deed Sale	Mar 23, 2022 · Amount on Record
Deed Document Number	20222498
Deed Book / Page	2496 / 226
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1023 LOCUST ST, GAINESVILLE, TX 76240-5832
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 13941, AUSTIN, TX 78711-3941

Mortgage

Document Number	002496/242
Date	Mar 23, 2022
Book Page	2496/242
Instrument	2022-2500

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	BOISE, ID 83702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Mar 23, 2022
Property Address	1023 LOCUST ST, GAINESVILLE, TX 76240-5832
Document Number	002496/226
Book / Page	2496 / 226
Map Reference	CAB B SL 35
Instrument Date	Mar 22, 2022
Instrument	2022-2498
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 COUNTY ROAD 131, GAINESVILLE, TX 76240-7044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1023 LOCUST ST, GAINESVILLE, TX 76240-5832

Mortgage

Document Number	0020222499
Date	Mar 23, 2022
Instrument	2022-2499

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Municipality	Gainesville City
Unified School District	Gainesville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,936.00 (+0.03%)	$188,115 (-) Land $48,140 Building $139,975	$188,115 (-) Land $48,140 Building $139,975
2025	$3,935.00 (+10.38%)	$188,115 (+6.18%) Land $48,140 Building $139,975	$188,115 (+6.18%) Land $48,140 Building $139,975
2024	$3,565.00 (-6.01%)
2023		$177,165 Land $43,820 Building $133,345	$177,165 Land $43,820 Building $133,345
2022	$3,793.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GAINESVILLE serves 18,107 people · EPA ID TX0490001
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: AT&T, Element8, T-Mobile.

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